Outreach Group Travel Medical Insurance

Ideal for Church groups traveling abroad on short-term outreach

Outreach Group Travel Medical Insurance is a temporary medical insurance plan that provides coverage for groups of five or more missionaries who need medical insurance while traveling outside their home country. The plan is available only for groups traveling outside of the U.S. and provides the same coverage as Outreach International Insurance, but is 10% cheaper. The plan provides coverage for missionaries up to age 79, and the benefit amount is $100k for travelers between 70-79 years.

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Outreach Group Travel Medical Insurance Review

Coverage Description
Insurance provider International Medical Group (IMG)
Outreach Group Travel Medical Insurance underwriter Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Plan life 6 months
Policy maximum $100k, $250K, $1M.
Deductible options $0, $100, $250, $500, $1k, $2.5k.
Coinsurance In Network: The plan pays 10%
Out of Network: The plan pays 20%

Outreach Group Travel Medical Links

International Medical Group Outreach Group Travel Medical plan summary


Outreach Travel Medical Insurance Pre-existing Condition
For US Citizens
  • Sudden and Unexpected Recurrence of a Pre-existing Condition (Medical):
    • Up to age 65 with primary health plan - usual, reasonable and customary charges up to plan maximum.
    • Up to age 65 without primary health plan - $20,000 lifetime maximum.
    • 65 years and above with or without primary health plan - $2,500 lifetime maximum.
For US Citizens:
  • Sudden and Unexpected Recurrence of a Pre-existing Condition (Emergency Medical Evacuation):
  • Up to $25,000 of eligible costs and expenses.

Outreach Travel Medical Insurance coinsurance
  • For treatment received outside the U.S : IMG pays 100%
  • For treatment received within the U.S :
  • In the PPO Network: IMG pays 100%
  • Outside the PPO Network: IMG pays 90% up to $5,000, then 100%
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Plan benefits of Outreach group travel insurance

  • COVID-19/SARS-CoV-2 Coverage Outreach travel insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Eligible medical expenses Up to the maximum limit
    Hospital room and board Average semi-private room rate, including nursing services
    Surgery Up to the maximum limit
    Intensive care unit Up to the overall maximum limit.
  • Urgent Care Clinic $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
    Physician visits Up to the maximum limit
    Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
    Radiology / X-ray Up to the maximum limit
    Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
    Laboratory Up to the maximum limit
    Outpatient Surgical / Hospital Facility Up to the maximum limit
    Chemotherapy / Radiation Therapy Up to the maximum limit
    Physical Therapy Up to the maximum limit (Medical order or treatment plan required)
    Pre-Admission Testing Up to the maximum limit
    Assistant Surgeon 20% of the primary surgeon’s eligible fee
    Anesthesia Up to the maximum limit
    Prescription Drugs and Medications Up to the plan maximum limit, may not exceed $250k (Dispensing limit per prescription: 90 days)
    Reconstructive Surgery Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
    Chiropractic Care Up to the maximum limit
  • Emergency local ambulance Up to the maximum limit.
    Hospital emergency room Outside the U.S: Up to the maximum limit
    Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
    Interfacility ambulance transfer Company pays 100%
    Emergency Illness - without In-patient Admission Up to the maximum limit. Additional $250 deductible
    Emergency Illness - with In-patient Admission Up to the maximum limit
  • Emergency dental treatment Dental injury due to an accident: up to the maximum limit
    Dental - Sudden dental emergency up to $100
  • Emergency medical evacuation $500k lifetime maximum (independent of the Maximum Limit) (Must be approved in advance by the company)
    Emergency reunion Up to $50k lifetime maximum (Must be approved in advance by the company)
    Return of mortal remains or cremation/burial $50k for Return of Mortal Remains or $5k for Cremation/Burial
    Return of minor children Up to $50k. Not subject to deductible
    Political evacuation and repatriation Up to $10k (Must be approved in advance by the company)
  • Natural disaster $100 per day and maximum limit of five days for accommodations. Not subject to deductible.
    Trip interruption Up to $5k. Not subject to deductible.
    Identity theft $500 maximum limit. Not subject to deductible
    Terrorism $50,000 maximum limit. Not subject to deductible
    Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
    $50 per item, $250 maximum limit. Not subject to deductible
  • Sudden and Unexpected Recurrence of a Pre-Existing Condition(for U.S. citizens only) Up to age 65 with primary health plan: URC up to maximum limit. Up to age 65 without primary health plan: $20,000 lifetime maximum.
    Age 65+: $2.5k lifetime maximum
    Sudden and Unexpected Recurrence of a Pre-Existing Condition-Emergency Medical Evacuation(for U.S. citizens only) Up to age 65: $25k maximum limit
  • Accidental death & dismemberment $25k principal sum. Not subject to deductible
    Common carrier accidental death $50k per insured adult and $250k maximum limit per family. Not subject to deductible.
  • Incidental Emergency in the U.S. Up to the Maximum Limit for basic sports (non-organized, non-contact, and non-collision activities)
    Durable medical equipment Up to the maximum limit
    Extended care facility Up to the maximum limit
    Extended care facility Up to the maximum limit
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IMG Outreach medical insurance - Common Questions

01. What is the coverage of Outreach Group travel insurance?

Outreach Group Medical Insurance provides short term medical insurance coverage for groups of five or more missionaries who need medical insurance while traveling for business or outside their home country. The plan provides coverage for missionaries up to age 79, and the benefit amount is $50k, $100k, $500k, $1M or $2M for individuals and $100k, $250k or $1M for groups. The plan covers eligible medical expenses up to the maximum limit and also includes coverage for COVID-19/SARS-CoV-2 subject to all other terms and conditions of this insurance. The plan also covers emergency hospital admission and direct transfer from emergency medical evacuation (group plans only). The benefit period is three months and if a covered injury or illness requires continuing treatment after the period of coverage expires, the three-month benefit period may offer continued coverage for that injury or illness.

02. Who is eligible for the Outreach Group insurance plan?

The plan is available only for groups traveling outside of the U.S. and provides the same coverage as Outreach International Insurance, but is 10% cheaper. The plan provides coverage for missionaries up to age 79.

03. Are pre-existing conditions covered under Outreach Group travel medical insurance?

Pre-existing conditions are not covered under Outreach Group Travel Medical Insurance. However, some insurance companies offer limited coverage for medical expenses arising due to pre-existing conditions when the situation is life-threatening in nature (between $1k and up to 10% of Accident & Sickness Sum Insured). This coverage is only available till the insured traveler can be made medically stable.

04. What are the optional coverage of Outreach Group travel insurance?

Outreach Group Travel Medical Insurance offers an optional Evacuation Plus Rider that provides coverage for medical evacuations for sudden and unexpected medical conditions that are non-life-threatening and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This optional rider is available to insured’s up to age 65.

05. Can I extend Outreach Group insurance plan?

Outreach Group Travel Insurance can be renewed for a total of up to two years if the plan is purchased for a minimum of five days and there is no break in coverage. Renewals are available in whole month or daily increments and may be completed online or by using a paper application. However, renewals of less than one month are only available online.

06. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

07. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

International Medical Group(IMG) Insurance related coverage

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IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.